Answering the Important Economic Questions of Our Day
As a matter of economics and finance, I would not think that Jennifer Love Hewitt's breasts are insurable individually, for $2.5 million apiece as this article suggests. Breasts are illustrative of extreme synergistic effects where the value of a pair is far in excess of the value of two individual parts (or even three). If JLH were to lose one breast, it is highly unlikely that the remaining breast would retain it's $2.5 million value. Thus a $5 million policy would certainly have to be structured as insuring the pair collectively.
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